Offer from insurance for total loss


Neil Sears

Member
Joined
Oct 21, 2018
Messages
95
Location
Los Angeles
Hi All,

Sad news. Someone hit my TJ while it was parked.

They are offering $8200 as a total loss.

I was wondering if any of you wanted chime in on if that’s worth accepting?

2001
Sport
V6
Auto
A/C
155k
Full doors
Tow package
Sound bar
Cruise
Soft top
Steel wheels
Smittybilt cage rack
Rebuilt transmission
6BBFBF41-CDA6-4D00-A95D-5AFD117ACB3D.jpeg
 

Fouledplugs

TJ Expert
Supporting Member
Joined
Jun 19, 2017
Messages
5,512
Location
Alabama/South Carolina
Tell them you will accept the offer but you get to keep the full doors and seats. Depending on which seats are in it...they look like the spice fake leather ones.

you could buy a fairly nice TJ for close to $10k here where I live.
You could sell the full doors for another $1k on facebook.
 

Modoc Guy

TJ Enthusiast
Supporting Member
Joined
Mar 22, 2020
Messages
201
Location
Northern California
Doesn't sound like a bad offer. See if you can take the offer and keep the Jeep too. Some companies will do that. You might have to give a salvage price for it, but you'd keep all you've put into it. Then part it out to re-coup on your loss.
 
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Skylinessuck

TJ Enthusiast
Joined
Mar 28, 2020
Messages
882
Location
Warrenton, VA
It's an inline 6, not a v6 ;) Sorry, pet peeve of mine.

Ask them how much to buy it back from them too. You can probably part/keep your mods and come out father ahead. I doubt they will let you just keep the doors.
 
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Lilnuts

TJ Enthusiast
Joined
Nov 24, 2018
Messages
169
Location
US Denver, CO
As said by others, accept the offer but before you do ask if you can keep it or what the buy back price would be.
If you could buy it for $1,500 might be worth it to you. Depends on the level of damage.
 

billiebob

TJ Addict
Supporting Member
Joined
Oct 31, 2015
Messages
5,511
Location
Kootenays, BC, Canada
This is why I don't carry collision. Not sure if yours is drivable but I save $600 a year without collision. I'd sooner just fix it myself but $8200 sounds fair.

When did you put in the V6 ?
 

Rubicon John

TJ Enthusiast
Joined
Mar 12, 2020
Messages
773
Location
Atlanta
This is why I don't carry collision. Not sure if yours is drivable but I save $600 a year without collision. I'd sooner just fix it myself but $8200 sounds fair.

When did you put in the V6 ?
I don’t understand why you wouldn’t carry collision. $50 a month is a drop in the bucket to have coverage for thousands of extra dollars.
 

Jmr17320

Member
Joined
Jan 30, 2019
Messages
83
Location
Gettysburg PA
One thing to check is make sure they have it listed as excellent maintained. I was not happy when my Sequoia was totaled by State Farm. I showed them my records and receipts and the guy said oh we can list as excellently maintained...but he never asked me at the beginning. So basic point... be PITA and keep asking for more
 

Zorba

"The Veiled Male"
Supporting Member
Joined
Apr 2, 2020
Messages
2,455
Location
Merritt Island, Fl
State Farm in particular is famous for totaling vehicles that are lightly damaged. They tried it with my '85 300SD back in 2011. They didn't succeed.